"The fact of being an underdog changes people in ways that we often fail to appreciate. It opens doors and creates opportunities and enlightens and permits things that might otherwise have seemed unthinkable."
"Those with health insurance are overinsured and their behavior is distorted by moral hazard. Those without health insurance use their own money to make decisions based on an assessment of their needs. The insured are wasteful. The uninsured are prudent. So what's the solution? Make the insured a little more like the uninsured."
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Source: The Moral-Hazard Myth by Malcolm Gladwell, www.newyorker.com. August 29, 2005.
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